We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 70898 results
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Decision Reference DRN0131777
3 Oct 2014 NewDay Ltd Not upheldPayment protection insurance (PPI)Mr A’s complaint is about the compensation offered to him by NewDay Ltd (NewDay) in respect of a mis-sold payment protection insurance (PPI) policy.background In 2012 Mr A complained to NewDay about the sale of a PPI policy. The policy was sold to him in connection with a credit card.... (2 pages)View decision -
Decision Reference DRN-4586622
23 Feb 2024 Paratus AMC Limited UpheldMortgagesDRN-4586622 The complaint Ms C complains that Paratus AMC Limited is now asking her to pay the shortfall for a mortgage. She told us that the shortfall must date back to around 2007 or 2008, and Paratus hasn’t been in touch about this debt for many years. What happened This decision deals ... (5 pages)View decision -
Decision Reference DRN-1267072
19 Nov 2020 Cabot Credit Management Group Limited UpheldConsumer CreditDRN-1267072 The complaint Mr G complains that Cabot Credit Management Group Limited is chasing him for a credit card debt that doesn’t belong to him. What happened In early 2019 Mr G received several letters from Cabot to say it had been assigned Mr G’s credit card debt from a credit card ... (3 pages)View decision -
Decision Reference DRN5401891
14 May 2015 HSBC Bank plc Not upheldBanking and creditMr E complains that HSBC Bank Plc failed to remove his name from a business account when he told it to do so. As a consequence he’s now being pursued for repayment of an outstanding debt on the account. Mr E feels this is unfair. backgroundIn May 2009, Mr E resigned ... (2 pages)View decision -
Decision Reference DRN0814881
19 Aug 2016 The Royal Bank of Scotland Plc UpheldBanking and creditMs D complains that The Royal Bank of Scotland Plc provided a poor level of service when it froze a joint account she held with her ex-partner.background Ms D was notified a year or so ago that the joint account she had held with her ex-partner had been frozen. She... (2 pages)View decision -
Decision Reference DRN-2705667
29 Apr 2021 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-2705667 The complaint Mr B complains that National Westminster Bank Plc (NatWest) shouldn’t have applied a default against him. What happened Mr B had an account with NatWest since 2011. He was in financial difficulty. He entered into an Individual Voluntary Agreement (IVA) in February... (3 pages)View decision -
Decision Reference DRN7959920
30 Sep 2013 Legal & General Partnership Services Limited Not upheldBanking and creditMr B and Miss G complain that Mortgage Talk Limited (‘MTL’) – a mortgage intermediary or broker and appointed representative of Legal & General Partnership Services Limited – mis- sold a mortgage to them in 2006. Mr B and Miss G also say that the mortgage was unaffordable from the ou... (3 pages)View decision -
Decision Reference DRN5987140
2 Jul 2018 The Royal Bank of Scotland Plc Not upheldBanking and creditMr D complains that The Royal Bank of Scotland Plc (RBS) didn’t close his account when he instructed it to and it now says he owes around £1,500.backgroundMr D says he closed his RBS account about 10 years ago. But the bank says he owes money on it and has passed ... (2 pages)View decision -
Decision Reference DRN8175798
8 Nov 2016 1st Credit Limited Not upheldBanking and creditMrs A has complained 1st Credit Limited has done nothing to pursue her ex-husband who’s also liable to repay their joint debt.backgroundMrs A held a joint bank account with her ex-husband. This went into arrears and was bought by 1st Credit in 2012. Mrs A agreed ... (2 pages)View decision -
Decision Reference DRN2036707
13 Apr 2017 Uncle Buck Finance LLP UpheldBanking and creditMrs P complains that Uncle Buck Finance LLP gave her payday loans without checking she could afford them. She wants it to refund the interest and charges she paid.backgroundMrs P had two loans from Uncle Buck between May and June 2013. She didn’t repay the second ... (2 pages)View decision
